Pacs.008
  • 17 Mar 2022
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Pacs.008

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Article Summary

The table below provides more details about the structure and content of Pacs.008 messages.


Pacs.008 reference table

#SEPA MULTMESSAGE ELEMENTSEPA CORE REQUIREMENTS
DocumentXML Tag : Document
Type : Document
1..1FITo FICustomerCredit TransferV02ISO Name : FIToFICustomerCreditTransferV02
ISO Definition : The FI2FICustomerCredit Transfermessage is sent by the debtor's agent to the creditor's agent, directly or through other agents and/or a payment clearing and settlement system. It is used to move funds from a debtor's account to a creditor.
XML Tag : FIToFICstmrCdtTrf
Type : FIToFICustomerCreditTransferV02
11..1FITo FICustomerCredit TransferV02
+Group Header
ISO Name : Group Header
ISO Definition : Set of characteristics shared by all individual transactions included in the message.
XML Tag : GrpHdr
Type : GroupHeader33
1.11..1FITo FICustomerCredit TransferV02
+Group Header
++Message Identification
ISO Name : Message Identification
ISO Definition : Point to point reference, as assigned by the instructing party, and sent to the next party in the chain to unambiguously identify the message.
Usage : The instructing party has to make sure that MessageIdentification is unique per instructed party for a pre-agreed period.
XML Tag : MsgId
Type : Max35Text
ISO Length : 1 .. 35
SEPA Length : 1 .. 35
1.21..1FITo FICustomerCredit TransferV02
+Group Header
++Creation Date Time
ISO Name : Creation Date Time
ISO Definition : Date and time at which the message was created.
XML Tag : CreDtTm
Type : ISODateTime
1.41..1FITo FICustomerCredit TransferV02
+Group Header
++Number Of Transactions
SEPA Usage Rule(s) : The number of transactions is limited to one.
ISO Name : Number Of Transactions
ISO Definition : Number of individual transactions contained in the message.
XML Tag : NbOfTxs
Type : Max15NumericText
Pattern : [0-9]{1,15}
1.61..1FITo FICustomerCredit TransferV02
+Group Header
++Total InterbankSettlementAmount
SEPA Usage Rule(s) : Mandatory - Only ‘EUR’ is allowed.
Amount must be 0.01 or up to the maxiumum amount per instruction that can be processed under the Scheme as defined in EPC document EPC023-16 “Maximum Amount for Instructions”.
SEPA Format Rule(s) : The fractional part has a maximum of two digits.
ISO Name : Total InterbankSettlementAmount
ISO Definition : Total amount of money moved between the instructing agentand the instructed agent.
XML Tag : TtlIntrBkSttlmAmt
Type : ActiveCurrencyAndAmount
SEPA FractDigits : 2 TotalDigits : 18
SEPA Inclusive 0.01 ..
1.71..1FITo FICustomerCredit TransferV02
+Group Header
++InterbankSettlement Date
SEPA Rulebook : AT-42 TheSettlement Dateof the SCT Transaction.
SEPA Usage Rule(s) : Mandatory
ISO Name Interbank :Settlement Date
ISO Definition : Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due.
XML Tag : IntrBkSttlmDt
Type : ISODate
1.81..1FITo FICustomerCredit TransferV02
+Group Header
++SettlementInformation
ISO Name :SettlementInformation
ISO Definition : Specifies the details on how the settlement of the transaction(s) between the instructing agentand the instructed agent is completed.
XML Tag : SttlmInf
Type : SettlementInformation13
1.91..1FITo FICustomerCredit TransferV02
+Group Header
++SettlementInformation
+++SettlementMethod
SEPA Usage Rule(s) : Only CLRG, INGA and INDA are allowed.
ISO Name :SettlementMethod
ISO Definition : Method used to settle the (batch of) payment instructions.
XML Tag : SttlmMtd
Type : SettlementMethod1Code
SEPA Code Restrictions :
CLRG - ClearingSystem -Settlement is done through a payment clearing system.
INDA - InstructedAgent -Settlement is done by the agent instructed to execute a payment instruction.
INGA - InstructingAgent -Settlement is done by the agent instructing and forwarding the payment to the next party in the payment chain.
1.10..1FITo FICustomerCredit TransferV02
+Group Header
++SettlementInformation
+++SettlementAccount
SEPA Usage Rule(s) : Only ‘Identification’ is allowed.
ISO Name :SettlementAccount
ISO Definition : A specific purpose account used to post debit and credit entries as a result of the transaction.
XML Tag : SttlmAcct
Type : CashAccount16
1.110..1FITo FICustomerCredit TransferV02
+Group Header
++SettlementInformation
+++Clearing System
ISO Name :Clearing System
ISO Definition : Specification of a pre-agreed offering between clearing agents or the channel through which the payment instruction is processed.
XML Tag : ClrSys
Type : ClearingSystemIdentification3Choice
1.180..1FITo FICustomerCredit TransferV02
+Group Header
++Payment Type Information
SEPA Usage Rule(s) : Mandatory
ISO Name : Payment Type Information
ISO Definition : Set of elements used to further specify the type of transaction.
XML Tag : PmtTpInf
Type : PaymentTypeInformation21
1.211..1FITo FICustomerCredit TransferV02
+Group Header
++Payment Type Information
+++Service Level
SEPA Usage Rule(s) : Mandatory
ISO Name : Service Level
ISO Definition : Agreement under which or rules under which the transaction should be processed.
XML Tag : SvcLvl
Type : ServiceLevel8Choice
1..1XML Tag xs:choice
1.221..1FITo FICustomerCredit TransferV02
+Group Header
++Payment Type Information
+++Service Level
++++Code
SEPA Rulebook : AT-40 The identification code of the SCT Scheme.
SEPA Usage Rule(s) : Only ‘SEPA’ is allowed.
ISO Name : Code
ISO Definition : Specifies a pre-agreed service or level of service between the parties, as published in an external service level code list.
XML Tag : Cd
Type : ExternalServiceLevel1Code
ISO Length : 1 .. 4
SEPA Length : 1 .. 4
SEPA Code Restrictions
SEPA - SingleEuroPaymentsArea - Payment must be executed following the Single Euro Payments Area scheme.
1.241..1FITo FICustomerCredit TransferV02
+Group Header
++Payment Type Information
+++Local Instrument
++++Code
SEPA Rulebook : AT-40 The identification code of the SCT Scheme
SEPA Usage Rule(s) : Only ‘SCT’ is allowed.
ISO Name : Code
ISO Definition : Specifies the local instrument, as published in an external local instrument code list.
XML Tag : Cd
Type : ExternalLocalInstrument1Code
ISO Length : 1 .. 35
SEPA Length : 1 .. 35
1.250..1FITo FICustomerCredit TransferV02
+Group Header
++Payment Type Information
+++Category Purpose
SEPA Rulebook : AT-45 Category purpose of the the SCT Instruction.
SEPA Usage Rule(s) : Depending on the agreement between the Originator and the Originator Bank, ‘Category Purpose’ may be forwarded to the Beneficiary Bank.
ISO Name : Category Purpose
ISO Definition : Specifies the high level purpose of the instruction based on a set of pre-defined categories.
Usage : This is used by the initiating party to provide information concerning the processing of the payment. It is likely to trigger special processing by any of the agents involved in the payment chain.
XML Tag : CtgyPurp
Type : CategoryPurpose1Choice
1.260..1FITo FICustomerCredit TransferV02
+Group Header
++InstructingAgent
SEPA Usage Rule(s) : Only BIC is allowed
ISO Name : InstructingAgent
ISO Definition :Agent that instructs the next party in the chain to carry out the (set of) instruction(s).
XML Tag : InstgAgt
Type : BranchAndFinancialInstitutionIdentification4
1.270..1FITo FICustomerCredit TransferV02
+Group Header
++InstructedAgent
SEPA Usage Rule(s) : Only BIC is allowed.
ISO Name : InstructedAgent
ISO Definition :Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s).
XML Tag : InstdAgt
Type : BranchAndFinancialInstitutionIdentification4
21..nFITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
SEPA Usage Rule(s) : Only one occurence is allowed.
ISO Name :Credit TransferTransaction Information
ISO Definition : Set of elements providing information specific to the individualcredit transfer(s).
XML Tag : CdtTrfTxInf
Type : CreditTransferTransactionInformation11
2.11..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Payment Identification
ISO Name : Payment Identification
ISO Definition : Set of elements used to reference a payment instruction.
XML Tag : PmtId
Type : PaymentIdentification3
2.20..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Payment Identification
+++Instruction Identification
ISO Name : Instruction Identification
ISO Definition : Unique identification, as assigned by an instructing party for an instructed party, to unambiguously identify the instruction.
Usage : The instruction identification is a point to point reference that can be used between the instructing party and the instructed party to refer to the individual instruction. It can be included in several messages related to the instruction.
XML Tag : InstrId
Type : Max35Text
ISO Length 1 .. 35
SEPA Length 1 .. 35
2.31..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Payment Identification
+++End To End Identification
SEPA Rulebook : AT-41 Originator’s Reference to the SCT Inst Transaction.
SEPA Usage Rule(s) : Acustomerreference that must be passed on in the end-to-end chain. In the event that no reference was given, ‘NOTPROVIDED’ must be used.
ISO Name : End To End Identification
ISO Definition : Unique identification, as assigned by the initiating party, to unambiguously identify the transaction. This identification is passed on, unchanged, throughout the entire end-to-end
chain.
Usage : The end-to-end identification can be used for reconciliation or to link tasks relating to the transaction. It can be included in several messages related to the transaction.
Usage : In case there are technical limitations to pass on multiple references, the end-to-end
identification must be passed on throughout the entire end-to-end chain.
XML Tag : EndToEndId
Type : Max35Text
ISO Length : 1 .. 35
SEPA Length : 1 .. 35
2.41..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Payment Identification
+++Transaction Identification
SEPA Rulebook : AT-43 The Originator Bank’s reference number of the SCT Inst Transaction message.
SEPA Usage Rule(s) : Must contain a reference that is meaningful to the Originator’s Bank and is unique over time.
ISO Name : Transaction Identification
ISO Definition : Unique identification, as assigned by the first instructing agent, to unambiguously identify the transaction that is passed on, unchanged, throughout the entire interbank chain.
Usage : The transaction identification can be used for reconciliation, tracking or to link tasks relating to the transaction on the interbank level.
Usage : The instructing agent has to make sure that the transaction identification is unique for a pre-agreed period.
XML Tag : TxId
Type : Max35Text
ISO Length : 1 .. 35
SEPA Length : 1 .. 35
2.61..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++InterbankSettlementAmount
SEPA Rulebook : AT-04 The amount of the SCT in Euro.
SEPA Usage Rule(s) : Only ‘EUR’ is allowed.
Amount must be 0.01 or up to the maximum amount per instruction that can be processed under the Scheme as defined in document EPC023-16 “Maximum Amount for Instructions under the Rulebook”.
SEPA Format Rule(s) : The fractional part has a maximum of two digits.
ISO Name : InterbankSettlementAmount
ISO Definition : Amount of money moved between the instructing agentand the instructed agent.
XML Tag : IntrBkSttlmAmt
Type : ActiveCurrencyAndAmount
SEPA FractDigits : 2 TotalDigits : 18
SEPA Inclusive 0.01 ..
2.10..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Acceptance Date Time
SEPA Rulebook : AT-50 Timestamp of the SCT Transaction.
SEPA Usage Rule(s) : Mandatory - The Timestamp must be unambiguous and at least include seconds.
ISO Name : Acceptance Date Time
ISO Definition : Point in time when the payment order from the initiating party meets the processing conditions of the account servicing agent. This means that the account servicing agent has received the payment order and has applied checks such as authorisation, availability of funds.
XML Tag : AccptncDtTm
Type : ISODateTime
2.141..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Charge Bearer
SEPA Usage Rule(s) : Only ‘SLEV’ is allowed.
ISO Name : Charge Bearer
ISO Definition : Specifies which party/parties will bear the charges associated with the processing of the payment transaction.
XML Tag : ChrgBr
Type : ChargeBearerType1Code
SEPA Code Restrictions
SLEV - FollowingServiceLevel - Charges are to be applied following the rules agreed in the service level and/or scheme.
2.240..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Ultimate Debtor
ISO Name : Ultimate Debtor
ISO Definition : Ultimate party that owes an amount of money to the (ultimate) creditor.
XML Tag : UltmtDbtr
Type : PartyIdentification32
2.250..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Ultimate Debtor
+++Name
SEPA Rulebook : AT-08 Name of the Originator Reference Party.
SEPA Usage Rule(s) : ‘Name’ is limited to 70 characters in length.
ISO Name : Name
ISO Definition : Name by which a party is known and which is usually used to identify that party.
XML Tag : Nm
Type : Max140Text
ISO Length 1 .. 140
SEPA Length 1 .. 70
2.270..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Ultimate Debtor
+++Identification
SEPA Rulebook : AT-09 Identification code of the Originator Reference Party.
ISO Name : Identification
ISO Definition : Unique and unambiguous identification of a party.
XML Tag : Id
Type : Party6Choice
1..1XML Tag xs:choice
2.281..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Ultimate Debtor
+++Identification
++++Organization Identification
SEPA Usage Rule(s) : Either ‘BIC or BEI’ or one occurrence of ‘Other’ is allowed.
ISO Name : Organization Identification
ISO Definition : Unique and unambiguous way to identify an organization.
XML Tag : OrgId
Type : OrganizationIdentification4
2.291..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Ultimate Debtor
+++Identification
++++Private Identification
SEPA Usage Rule(s) Either ‘Date and Place of Birth’ or one occurrence of ‘Other’ is allowed.
ISO Name : Private Identification
ISO Definition : Unique and unambiguous identification of a person, eg, passport.
XML Tag : PrvtId
Type : PersonIdentification5
2.331..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Debtor
ISO Name : Debtor
ISO Definition : Party that owes an amount of money to the (ultimate) creditor.
XML Tag : Dbtr
Type : PartyIdentification32
2.341..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Debtor
+++Name
SEPA Rulebook : AT-02 Name of the Originator.
SEPA Usage Rule(s) : Mandatory - ‘Name’ is limited to 70 characters in length.
ISO Name : Name
ISO Definition : Name by which a party is known and which is usually used to identify that party.
XML Tag : Nm
Type : Max140Text
ISO Length : 1 .. 140
SEPA Length : 1 .. 70
2.350..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Debtor
+++Postal Address
SEPA Rulebook : AT-03 Address of the Originator (only mandatory when the Originator Bank or the Beneficiary Bank is located in a non-EEA SEPA country or territory).
ISO Name : Postal Address
ISO Definition : Information that locates and identifies a specific address, as defined by postal services.
XML Tag : PstlAdr
Type : PostalAddress6
2.440..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Debtor
+++Postal Address
++++Country
ISO Name : Country
ISO Definition : Nation with its own government.
XML Tag : Ctry
Type : CountryCode
Pattern : [A-Z]{2,2}
2.450..2FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Debtor
+++Postal Address
++++Address Line
SEPA Usage Rule(s) : Only two occurrences are allowed.
ISO Name : Address Line
ISO Definition : Information that locates and identifies a specific address, as defined by postal services, presented in free format text.
XML Tag : AdrLine
Type : Max70Text
ISO Length : 1 .. 70
SEPA Length : 1 .. 70
2.460..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Debtor
+++Identification
SEPA Rulebook : AT-10 Originator’s Identification Code.
ISO Name : Identification
ISO Definition : Unique and unambiguous identification of a party.
XML Tag : Id
Type : Party6Choice
1..1XML Tag xs:choice
2.471..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Debtor
+++Identification
++++Organization Identification
SEPA Usage Rule(s) : Either ‘BIC or BEI’ or one occurrence of ‘Other’ is allowed.
ISO Name : Organization Identification
ISO Definition : Unique and unambiguous way to identify an organization.
XML Tag : OrgId
Type : OrganizationIdentification4
2.481..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Debtor
+++Identification
++++Private Identification
SEPA Usage Rule(s) : Either ‘Date and Place of Birth’ or one occurrence of ‘Other’ is allowed.
ISO Name : Private Identification
ISO Definition : Unique and unambiguous identification of a person, eg, passport.
XML Tag : PrvtId
Type : PersonIdentification5
2.511..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Debtor Account
SEPA Rulebook : AT-01 The IBAN of the account of the Originator.
SEPA Usage Rule(s) : Mandatory - Only IBAN is allowed.
ISO Name : Debtor Account
ISO Definition : Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction.
XML Tag : DbtrAcct
Type : CashAccount16
2.521..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++DebtorAgent
SEPA Rulebook : AT-06 BIC of the Originator Bank.
SEPA Usage Rule(s) : Only BIC is allowed.
ISO Name : DebtorAgent
ISO Definition : Financial institution servicing an account for the debtor.
XML Tag : DbtrAgt
Type : BranchAndFinancialInstitutionIdentification4
2.541..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++CreditorAgent
SEPA Rulebook : AT-23 The BIC of the Beneficiary Bank.
SEPA Usage Rule(s) : Only BIC is allowed.
ISO Name : CreditorAgent
ISO Definition : Financial institution servicing an account for the creditor.
XML Tag : CdtrAgt
Type : BranchAndFinancialInstitutionIdentification4
2.561..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Creditor
ISO Name : Creditor
ISO Definition : Party to which an amount of money is due.
XML Tag : Cdtr
Type : PartyIdentification32
2.571..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Creditor
+++Name
SEPA Rulebook : AT-21 Name of the Beneficiary.
SEPA Usage Rule(s) : Mandatory - ‘Name’ is limited to 70 characters in length.
ISO Name : Name
ISO Definition : Name by which a party is known and which is usually used to identify that party.
XML Tag : Nm
Type : Max140Text
ISO Length : 1 .. 140
SEPA Length : 1 .. 70
2.580..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Creditor
+++Postal Address
SEPA Rulebook : AT-22 Address of the Beneficiary.
ISO Name : Postal Address
ISO Definition : Information that locates and identifies a specific address, as defined by postal services.
XML Tag : PstlAdr
Type : PostalAddress6
2.670..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Creditor
+++Postal Address
++++Country
ISO Name : Country
ISO Definition : Nation with its own government.
XML Tag : Ctry
Type : CountryCode
Pattern : [A-Z]{2,2}
2.680..2FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Creditor
+++Postal Address
++++Address Line
SEPA Usage Rule(s) : Only two occurrences are allowed.
ISO Name : Address Line
ISO Definition : Information that locates and identifies a specific address, as defined by postal services, presented in free format text.
XML Tag : AdrLine
Type : Max70Text
ISO Length : 1 .. 70
SEPA Length : 1 .. 70
2.690..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Creditor
+++Identification
SEPA Rulebook : AT-24 Beneficiary Identification Code.
ISO Name : Identification
ISO Definition : Unique and unambiguous identification of a party.
XML Tag : Id
Type : Party6Choice
1..1XML Tag xs:choice
2.71..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Creditor
+++Identification
++++Organization Identification
SEPA Usage Rule(s) : Either ‘BIC or BEI’ or one occurrence of ‘Other’ is allowed.
ISO Name : Organization Identification
ISO Definition : Unique and unambiguous way to identify an organization.
XML Tag : OrgId
Type : OrganizationIdentification4
2.711..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Creditor
+++Identification
++++Private Identification
SEPA Usage Rule(s) : Either ‘Date and Place of Birth’ or one occurrence of ‘Other’ is allowed.
ISO Name : Private Identification
ISO Definition : Unique and unambiguous identification of a person, eg, passport.
XML Tag : PrvtId
Type : PersonIdentification5
2.741..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Creditor Account
SEPA Rulebook : AT-20 The IBAN of the account of the Beneficiary.
SEPA Usage Rule(s) : Mandatory - Only IBAN is allowed.
ISO Name : Creditor Account
ISO Definition : Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction.
XML Tag : CdtrAcct
Type : CashAccount16
2.750..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Ultimate Creditor
ISO Name : Ultimate Creditor
ISO Definition : Ultimate party to which an amount of money is due.
XML Tag : UltmtCdtr
Type : PartyIdentification32
2.760..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Ultimate Creditor
+++Name
SEPA Rulebook : AT-28 Name of the Beneficiary Reference Party.
SEPA Usage Rule(s) : ‘Name’ is limited to 70 characters in length.
ISO Name : Name
ISO Definition : Name by which a party is known and which is usually used to identify that party.
XML Tag : Nm
Type : Max140Text
ISO Length : 1 .. 140
SEPA Length : 1 .. 70
2.780..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Ultimate Creditor
+++Identification
SEPA Rulebook : AT-29 Identification code of the Beneficiary Reference Party.
ISO Name : Identification
ISO Definition : Unique and unambiguous identification of a party.
XML Tag : Id
Type : Party6Choice
1..1XML Tag xs:choice
2.791..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Ultimate Creditor
+++Identification
++++Organization Identification
SEPA Usage Rule(s) : Either ‘BIC or BEI’ or one occurrence of ‘Other’ is allowed.
ISO Name : Organization Identification
ISO Definition : Unique and unambiguous way to identify an organization.
XML Tag : OrgId
Type : OrganizationIdentification4
2.81..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Ultimate Creditor
+++Identification
++++Private Identification
SEPA Usage Rule(s) : Either ‘Date and Place of Birth’ or one occurrence of ‘Other’ is allowed.
ISO Name : Private Identification
ISO Definition : Unique and unambiguous identification of a person, eg, passport.
XML Tag : PrvtId
Type : PersonIdentification5
2.850..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Purpose
SEPA Rulebook : AT-44 The purpose of the SCT Instruction.
ISO Name : Purpose
ISO Definition : Underlying reason for the payment transaction.
Usage : Purpose is used by the end-customers, that is initiating party, (ultimate) debtor, (ultimate) creditor to provide information concerning the nature of the payment. Purpose is a content element, which is not used for processing by any of the agents involved in the payment chain.
XML Tag : Purp
Type : Purpose2Choice
1..1XML Tag xs:choice
2.861..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Purpose
+++Code
ISO Name : Code
ISO Definition : Underlying reason for the payment transaction, as published in an external purpose code list.
XML Tag : Cd
Type : ExternalPurpose1Code
ISO Length : 1 .. 4
SEPA Length : 1 .. 4
2.90..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Remittance Information
SEPA Rulebook : AT-05 Remittance Information.
SEPA Usage Rule(s) : Either ‘Structured’ or ‘Unstructured’ may be present.
ISO Name : Remittance Information
ISO Definition : Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts' receivable system.
XML Tag : RmtInf
Type : RemittanceInformation5
2.910..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Remittance Information
+++Unstructured
SEPA Usage Rule(s) : ‘Unstructured’ may carry structured remittance information, as agreed between the Originator and the Beneficiary. Only one occurrence of ‘Unstructured’ is allowed.
ISO Name : Unstructured
ISO Definition : Information supplied to enable the matching/reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in an unstructured form.
XML Tag : Ustrd
Type : Max140Text
ISO Length : 1 .. 140
SEPA Length : 1 .. 140
2.920..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Remittance Information
+++Structured
SEPA Usage Rule(s) : Only one occurrence of ‘Structured’ is allowed.
SEPA Format Rule(s) : ‘Structured’ can be used, provided the tags and the data within the ‘Structured’ element do not exceed 140 characters in length.
ISO Name : Structured
ISO Definition : Information supplied to enable the matching/reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in a structured form.
XML Tag : Strd
Type : StructuredRemittanceInformation7
2.950..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Remittance Information
+++Structured
++++Creditor Reference Information
SEPA Usage Rule(s) : When present, the Creditor Bank is not obliged to validate the reference information. When used both ‘Type’ and ‘Reference’ must be present.
ISO Name : Creditor Reference Information
ISO Definition : Reference information provided by the creditor to allow the identification of the underlying documents.
XML Tag : CdtrRefInf
Type : CreditorReferenceInformation2
2.960..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Remittance Information
+++Structured
++++Creditor Reference Information
+++++Type
ISO Name : Type
ISO Definition : Specifies the type of creditor reference.
XML Tag : Tp
Type : CreditorReferenceType2
2.971..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Remittance Information
+++Structured
++++Creditor Reference Information
+++++Type
++++++Code Or Proprietary
ISO Name : Code Or Proprietary
ISO Definition : Coded or proprietary format creditor reference type.
XML Tag : CdOrPrtry
Type : CreditorReferenceType1Choice
1..1XML Tag xs:choice
2.981..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Remittance Information
+++Structured
++++Creditor Reference Information
+++++Type
++++++Code Or Proprietary
+++++++Code
SEPA Usage Rule(s) : Only ‘SCOR’ is allowed.
ISO Name : Code
ISO Definition : Type of creditor reference, in a coded form.
XML Tag : Cd
Type : DocumentType3Code
SEPA Code Restrictions : SCOR (StructuredCommunicationReference) - Document is a structured communication reference provided by the creditor to identify the referred transaction.
2.10..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Remittance Information
+++Structured
++++Creditor Reference Information
+++++Type
++++++Issuer
ISO Name : Issuer
ISO Definition : Entity that assigns the credit reference type.
XML Tag : Issr
Type : Max35Text
ISO Length : 1 .. 35
SEPA Length : 1 .. 35
2.1011..1FITo FICustomerCredit TransferV02
+Credit TransferTransaction Information
++Remittance Information
+++Structured
++++Creditor Reference Information
+++++Reference
SEPA Usage Rule(s) : If a Creditor Reference contains a check digit, the receiving bank is not required to validate this. If the receiving bank validates the check digit and if this validation fails, the bank may continue its processing and send the transaction to the next party in the chain.
RF Creditor Reference may be used (ISO 11649).
ISO Name : Reference
ISO Definition : Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction.
Usage : If available, the initiating party should provide this reference in the structured remittance information, to enable reconciliation by the creditor upon receipt of the amount of money. If the business context requires the use of a creditor reference or a payment remit identification, and only one identifier can be passed through the end-to-end chain, the creditor's reference or payment remittance identification should be quoted in the end-to-end transaction identification.
XML Tag : Ref
Type : Max35Text
ISO Length : 1 .. 35
SEPA Length : 1 .. 35

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